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Prosper Marketplace, Inc. is a San Francisco, California-based company in the peer-to-peer lending industry. Prosper Funding LLC, one of its subsidiaries, operates Prosper.com, a website where individuals can either invest in personal loans or request to borrow money. This data set contains 113,937 loans with 81 variables on each loan, including loan amount, borrower rate (or interest rate), current loan status, borrower income, borrower employment status, borrower credit history, and the latest payment information.

Univariate Plots Section

Data Structure

## 'data.frame':    113937 obs. of  81 variables:
##  $ ListingKey                         : Factor w/ 113066 levels "00003546482094282EF90E5",..: 7180 7193 6647 6669 6686 6689 6699 6706 6687 6687 ...
##  $ ListingNumber                      : int  193129 1209647 81716 658116 909464 1074836 750899 768193 1023355 1023355 ...
##  $ ListingCreationDate                : Factor w/ 113064 levels "2005-11-09 20:44:28.847000000",..: 14184 111894 6429 64760 85967 100310 72556 74019 97834 97834 ...
##  $ CreditGrade                        : Factor w/ 9 levels "","A","AA","B",..: 5 1 8 1 1 1 1 1 1 1 ...
##  $ Term                               : int  36 36 36 36 36 60 36 36 36 36 ...
##  $ LoanStatus                         : Factor w/ 12 levels "Cancelled","Chargedoff",..: 3 4 3 4 4 4 4 4 4 4 ...
##  $ ClosedDate                         : Factor w/ 2803 levels "","2005-11-25 00:00:00",..: 1138 1 1263 1 1 1 1 1 1 1 ...
##  $ BorrowerAPR                        : num  0.165 0.12 0.283 0.125 0.246 ...
##  $ BorrowerRate                       : num  0.158 0.092 0.275 0.0974 0.2085 ...
##  $ LenderYield                        : num  0.138 0.082 0.24 0.0874 0.1985 ...
##  $ EstimatedEffectiveYield            : num  NA 0.0796 NA 0.0849 0.1832 ...
##  $ EstimatedLoss                      : num  NA 0.0249 NA 0.0249 0.0925 ...
##  $ EstimatedReturn                    : num  NA 0.0547 NA 0.06 0.0907 ...
##  $ ProsperRating..numeric.            : int  NA 6 NA 6 3 5 2 4 7 7 ...
##  $ ProsperRating..Alpha.              : Factor w/ 8 levels "","A","AA","B",..: 1 2 1 2 6 4 7 5 3 3 ...
##  $ ProsperScore                       : num  NA 7 NA 9 4 10 2 4 9 11 ...
##  $ ListingCategory..numeric.          : int  0 2 0 16 2 1 1 2 7 7 ...
##  $ BorrowerState                      : Factor w/ 52 levels "","AK","AL","AR",..: 7 7 12 12 25 34 18 6 16 16 ...
##  $ Occupation                         : Factor w/ 68 levels "","Accountant/CPA",..: 37 43 37 52 21 43 50 29 24 24 ...
##  $ EmploymentStatus                   : Factor w/ 9 levels "","Employed",..: 9 2 4 2 2 2 2 2 2 2 ...
##  $ EmploymentStatusDuration           : int  2 44 NA 113 44 82 172 103 269 269 ...
##  $ IsBorrowerHomeowner                : Factor w/ 2 levels "False","True": 2 1 1 2 2 2 1 1 2 2 ...
##  $ CurrentlyInGroup                   : Factor w/ 2 levels "False","True": 2 1 2 1 1 1 1 1 1 1 ...
##  $ GroupKey                           : Factor w/ 707 levels "","00343376901312423168731",..: 1 1 335 1 1 1 1 1 1 1 ...
##  $ DateCreditPulled                   : Factor w/ 112992 levels "2005-11-09 00:30:04.487000000",..: 14347 111883 6446 64724 85857 100382 72500 73937 97888 97888 ...
##  $ CreditScoreRangeLower              : int  640 680 480 800 680 740 680 700 820 820 ...
##  $ CreditScoreRangeUpper              : int  659 699 499 819 699 759 699 719 839 839 ...
##  $ FirstRecordedCreditLine            : Factor w/ 11586 levels "","1947-08-24 00:00:00",..: 8639 6617 8927 2247 9498 497 8265 7685 5543 5543 ...
##  $ CurrentCreditLines                 : int  5 14 NA 5 19 21 10 6 17 17 ...
##  $ OpenCreditLines                    : int  4 14 NA 5 19 17 7 6 16 16 ...
##  $ TotalCreditLinespast7years         : int  12 29 3 29 49 49 20 10 32 32 ...
##  $ OpenRevolvingAccounts              : int  1 13 0 7 6 13 6 5 12 12 ...
##  $ OpenRevolvingMonthlyPayment        : num  24 389 0 115 220 1410 214 101 219 219 ...
##  $ InquiriesLast6Months               : int  3 3 0 0 1 0 0 3 1 1 ...
##  $ TotalInquiries                     : num  3 5 1 1 9 2 0 16 6 6 ...
##  $ CurrentDelinquencies               : int  2 0 1 4 0 0 0 0 0 0 ...
##  $ AmountDelinquent                   : num  472 0 NA 10056 0 ...
##  $ DelinquenciesLast7Years            : int  4 0 0 14 0 0 0 0 0 0 ...
##  $ PublicRecordsLast10Years           : int  0 1 0 0 0 0 0 1 0 0 ...
##  $ PublicRecordsLast12Months          : int  0 0 NA 0 0 0 0 0 0 0 ...
##  $ RevolvingCreditBalance             : num  0 3989 NA 1444 6193 ...
##  $ BankcardUtilization                : num  0 0.21 NA 0.04 0.81 0.39 0.72 0.13 0.11 0.11 ...
##  $ AvailableBankcardCredit            : num  1500 10266 NA 30754 695 ...
##  $ TotalTrades                        : num  11 29 NA 26 39 47 16 10 29 29 ...
##  $ TradesNeverDelinquent..percentage. : num  0.81 1 NA 0.76 0.95 1 0.68 0.8 1 1 ...
##  $ TradesOpenedLast6Months            : num  0 2 NA 0 2 0 0 0 1 1 ...
##  $ DebtToIncomeRatio                  : num  0.17 0.18 0.06 0.15 0.26 0.36 0.27 0.24 0.25 0.25 ...
##  $ IncomeRange                        : Factor w/ 8 levels "$0","$1-24,999",..: 4 5 7 4 3 3 4 4 4 4 ...
##  $ IncomeVerifiable                   : Factor w/ 2 levels "False","True": 2 2 2 2 2 2 2 2 2 2 ...
##  $ StatedMonthlyIncome                : num  3083 6125 2083 2875 9583 ...
##  $ LoanKey                            : Factor w/ 113066 levels "00003683605746079487FF7",..: 100337 69837 46303 70776 71387 86505 91250 5425 908 908 ...
##  $ TotalProsperLoans                  : int  NA NA NA NA 1 NA NA NA NA NA ...
##  $ TotalProsperPaymentsBilled         : int  NA NA NA NA 11 NA NA NA NA NA ...
##  $ OnTimeProsperPayments              : int  NA NA NA NA 11 NA NA NA NA NA ...
##  $ ProsperPaymentsLessThanOneMonthLate: int  NA NA NA NA 0 NA NA NA NA NA ...
##  $ ProsperPaymentsOneMonthPlusLate    : int  NA NA NA NA 0 NA NA NA NA NA ...
##  $ ProsperPrincipalBorrowed           : num  NA NA NA NA 11000 NA NA NA NA NA ...
##  $ ProsperPrincipalOutstanding        : num  NA NA NA NA 9948 ...
##  $ ScorexChangeAtTimeOfListing        : int  NA NA NA NA NA NA NA NA NA NA ...
##  $ LoanCurrentDaysDelinquent          : int  0 0 0 0 0 0 0 0 0 0 ...
##  $ LoanFirstDefaultedCycleNumber      : int  NA NA NA NA NA NA NA NA NA NA ...
##  $ LoanMonthsSinceOrigination         : int  78 0 86 16 6 3 11 10 3 3 ...
##  $ LoanNumber                         : int  19141 134815 6466 77296 102670 123257 88353 90051 121268 121268 ...
##  $ LoanOriginalAmount                 : int  9425 10000 3001 10000 15000 15000 3000 10000 10000 10000 ...
##  $ LoanOriginationDate                : Factor w/ 1873 levels "2005-11-15 00:00:00",..: 426 1866 260 1535 1757 1821 1649 1666 1813 1813 ...
##  $ LoanOriginationQuarter             : Factor w/ 33 levels "Q1 2006","Q1 2007",..: 18 8 2 32 24 33 16 16 33 33 ...
##  $ MemberKey                          : Factor w/ 90831 levels "00003397697413387CAF966",..: 11071 10302 33781 54939 19465 48037 60448 40951 26129 26129 ...
##  $ MonthlyLoanPayment                 : num  330 319 123 321 564 ...
##  $ LP_CustomerPayments                : num  11396 0 4187 5143 2820 ...
##  $ LP_CustomerPrincipalPayments       : num  9425 0 3001 4091 1563 ...
##  $ LP_InterestandFees                 : num  1971 0 1186 1052 1257 ...
##  $ LP_ServiceFees                     : num  -133.2 0 -24.2 -108 -60.3 ...
##  $ LP_CollectionFees                  : num  0 0 0 0 0 0 0 0 0 0 ...
##  $ LP_GrossPrincipalLoss              : num  0 0 0 0 0 0 0 0 0 0 ...
##  $ LP_NetPrincipalLoss                : num  0 0 0 0 0 0 0 0 0 0 ...
##  $ LP_NonPrincipalRecoverypayments    : num  0 0 0 0 0 0 0 0 0 0 ...
##  $ PercentFunded                      : num  1 1 1 1 1 1 1 1 1 1 ...
##  $ Recommendations                    : int  0 0 0 0 0 0 0 0 0 0 ...
##  $ InvestmentFromFriendsCount         : int  0 0 0 0 0 0 0 0 0 0 ...
##  $ InvestmentFromFriendsAmount        : num  0 0 0 0 0 0 0 0 0 0 ...
##  $ Investors                          : int  258 1 41 158 20 1 1 1 1 1 ...

Summary of the dataset

##                    ListingKey     ListingNumber    
##  17A93590655669644DB4C06:     6   Min.   :      4  
##  349D3587495831350F0F648:     4   1st Qu.: 400919  
##  47C1359638497431975670B:     4   Median : 600554  
##  8474358854651984137201C:     4   Mean   : 627886  
##  DE8535960513435199406CE:     4   3rd Qu.: 892634  
##  04C13599434217079754AEE:     3   Max.   :1255725  
##  (Other)                :113912                    
##                     ListingCreationDate  CreditGrade         Term      
##  2013-10-02 17:20:16.550000000:     6          :84984   Min.   :12.00  
##  2013-08-28 20:31:41.107000000:     4   C      : 5649   1st Qu.:36.00  
##  2013-09-08 09:27:44.853000000:     4   D      : 5153   Median :36.00  
##  2013-12-06 05:43:13.830000000:     4   B      : 4389   Mean   :40.83  
##  2013-12-06 11:44:58.283000000:     4   AA     : 3509   3rd Qu.:36.00  
##  2013-08-21 07:25:22.360000000:     3   HR     : 3508   Max.   :60.00  
##  (Other)                      :113912   (Other): 6745                  
##                  LoanStatus                  ClosedDate   
##  Current              :56576                      :58848  
##  Completed            :38074   2014-03-04 00:00:00:  105  
##  Chargedoff           :11992   2014-02-19 00:00:00:  100  
##  Defaulted            : 5018   2014-02-11 00:00:00:   92  
##  Past Due (1-15 days) :  806   2012-10-30 00:00:00:   81  
##  Past Due (31-60 days):  363   2013-02-26 00:00:00:   78  
##  (Other)              : 1108   (Other)            :54633  
##   BorrowerAPR       BorrowerRate     LenderYield     
##  Min.   :0.00653   Min.   :0.0000   Min.   :-0.0100  
##  1st Qu.:0.15629   1st Qu.:0.1340   1st Qu.: 0.1242  
##  Median :0.20976   Median :0.1840   Median : 0.1730  
##  Mean   :0.21883   Mean   :0.1928   Mean   : 0.1827  
##  3rd Qu.:0.28381   3rd Qu.:0.2500   3rd Qu.: 0.2400  
##  Max.   :0.51229   Max.   :0.4975   Max.   : 0.4925  
##  NA's   :25                                          
##  EstimatedEffectiveYield EstimatedLoss   EstimatedReturn 
##  Min.   :-0.183          Min.   :0.005   Min.   :-0.183  
##  1st Qu.: 0.116          1st Qu.:0.042   1st Qu.: 0.074  
##  Median : 0.162          Median :0.072   Median : 0.092  
##  Mean   : 0.169          Mean   :0.080   Mean   : 0.096  
##  3rd Qu.: 0.224          3rd Qu.:0.112   3rd Qu.: 0.117  
##  Max.   : 0.320          Max.   :0.366   Max.   : 0.284  
##  NA's   :29084           NA's   :29084   NA's   :29084   
##  ProsperRating..numeric. ProsperRating..Alpha.  ProsperScore  
##  Min.   :1.000                  :29084         Min.   : 1.00  
##  1st Qu.:3.000           C      :18345         1st Qu.: 4.00  
##  Median :4.000           B      :15581         Median : 6.00  
##  Mean   :4.072           A      :14551         Mean   : 5.95  
##  3rd Qu.:5.000           D      :14274         3rd Qu.: 8.00  
##  Max.   :7.000           E      : 9795         Max.   :11.00  
##  NA's   :29084           (Other):12307         NA's   :29084  
##  ListingCategory..numeric. BorrowerState  
##  Min.   : 0.000            CA     :14717  
##  1st Qu.: 1.000            TX     : 6842  
##  Median : 1.000            NY     : 6729  
##  Mean   : 2.774            FL     : 6720  
##  3rd Qu.: 3.000            IL     : 5921  
##  Max.   :20.000                   : 5515  
##                            (Other):67493  
##                     Occupation         EmploymentStatus
##  Other                   :28617   Employed     :67322  
##  Professional            :13628   Full-time    :26355  
##  Computer Programmer     : 4478   Self-employed: 6134  
##  Executive               : 4311   Not available: 5347  
##  Teacher                 : 3759   Other        : 3806  
##  Administrative Assistant: 3688                : 2255  
##  (Other)                 :55456   (Other)      : 2718  
##  EmploymentStatusDuration IsBorrowerHomeowner CurrentlyInGroup
##  Min.   :  0.00           False:56459         False:101218    
##  1st Qu.: 26.00           True :57478         True : 12719    
##  Median : 67.00                                               
##  Mean   : 96.07                                               
##  3rd Qu.:137.00                                               
##  Max.   :755.00                                               
##  NA's   :7625                                                 
##                     GroupKey                 DateCreditPulled 
##                         :100596   2013-12-23 09:38:12:     6  
##  783C3371218786870A73D20:  1140   2013-11-21 09:09:41:     4  
##  3D4D3366260257624AB272D:   916   2013-12-06 05:43:16:     4  
##  6A3B336601725506917317E:   698   2014-01-14 20:17:49:     4  
##  FEF83377364176536637E50:   611   2014-02-09 12:14:41:     4  
##  C9643379247860156A00EC0:   342   2013-09-27 22:04:54:     3  
##  (Other)                :  9634   (Other)            :113912  
##  CreditScoreRangeLower CreditScoreRangeUpper
##  Min.   :  0.0         Min.   : 19.0        
##  1st Qu.:660.0         1st Qu.:679.0        
##  Median :680.0         Median :699.0        
##  Mean   :685.6         Mean   :704.6        
##  3rd Qu.:720.0         3rd Qu.:739.0        
##  Max.   :880.0         Max.   :899.0        
##  NA's   :591           NA's   :591          
##         FirstRecordedCreditLine CurrentCreditLines OpenCreditLines
##                     :   697     Min.   : 0.00      Min.   : 0.00  
##  1993-12-01 00:00:00:   185     1st Qu.: 7.00      1st Qu.: 6.00  
##  1994-11-01 00:00:00:   178     Median :10.00      Median : 9.00  
##  1995-11-01 00:00:00:   168     Mean   :10.32      Mean   : 9.26  
##  1990-04-01 00:00:00:   161     3rd Qu.:13.00      3rd Qu.:12.00  
##  1995-03-01 00:00:00:   159     Max.   :59.00      Max.   :54.00  
##  (Other)            :112389     NA's   :7604       NA's   :7604   
##  TotalCreditLinespast7years OpenRevolvingAccounts
##  Min.   :  2.00             Min.   : 0.00        
##  1st Qu.: 17.00             1st Qu.: 4.00        
##  Median : 25.00             Median : 6.00        
##  Mean   : 26.75             Mean   : 6.97        
##  3rd Qu.: 35.00             3rd Qu.: 9.00        
##  Max.   :136.00             Max.   :51.00        
##  NA's   :697                                     
##  OpenRevolvingMonthlyPayment InquiriesLast6Months TotalInquiries   
##  Min.   :    0.0             Min.   :  0.000      Min.   :  0.000  
##  1st Qu.:  114.0             1st Qu.:  0.000      1st Qu.:  2.000  
##  Median :  271.0             Median :  1.000      Median :  4.000  
##  Mean   :  398.3             Mean   :  1.435      Mean   :  5.584  
##  3rd Qu.:  525.0             3rd Qu.:  2.000      3rd Qu.:  7.000  
##  Max.   :14985.0             Max.   :105.000      Max.   :379.000  
##                              NA's   :697          NA's   :1159     
##  CurrentDelinquencies AmountDelinquent   DelinquenciesLast7Years
##  Min.   : 0.0000      Min.   :     0.0   Min.   : 0.000         
##  1st Qu.: 0.0000      1st Qu.:     0.0   1st Qu.: 0.000         
##  Median : 0.0000      Median :     0.0   Median : 0.000         
##  Mean   : 0.5921      Mean   :   984.5   Mean   : 4.155         
##  3rd Qu.: 0.0000      3rd Qu.:     0.0   3rd Qu.: 3.000         
##  Max.   :83.0000      Max.   :463881.0   Max.   :99.000         
##  NA's   :697          NA's   :7622       NA's   :990            
##  PublicRecordsLast10Years PublicRecordsLast12Months RevolvingCreditBalance
##  Min.   : 0.0000          Min.   : 0.000            Min.   :      0       
##  1st Qu.: 0.0000          1st Qu.: 0.000            1st Qu.:   3121       
##  Median : 0.0000          Median : 0.000            Median :   8549       
##  Mean   : 0.3126          Mean   : 0.015            Mean   :  17599       
##  3rd Qu.: 0.0000          3rd Qu.: 0.000            3rd Qu.:  19521       
##  Max.   :38.0000          Max.   :20.000            Max.   :1435667       
##  NA's   :697              NA's   :7604              NA's   :7604          
##  BankcardUtilization AvailableBankcardCredit  TotalTrades    
##  Min.   :0.000       Min.   :     0          Min.   :  0.00  
##  1st Qu.:0.310       1st Qu.:   880          1st Qu.: 15.00  
##  Median :0.600       Median :  4100          Median : 22.00  
##  Mean   :0.561       Mean   : 11210          Mean   : 23.23  
##  3rd Qu.:0.840       3rd Qu.: 13180          3rd Qu.: 30.00  
##  Max.   :5.950       Max.   :646285          Max.   :126.00  
##  NA's   :7604        NA's   :7544            NA's   :7544    
##  TradesNeverDelinquent..percentage. TradesOpenedLast6Months
##  Min.   :0.000                      Min.   : 0.000         
##  1st Qu.:0.820                      1st Qu.: 0.000         
##  Median :0.940                      Median : 0.000         
##  Mean   :0.886                      Mean   : 0.802         
##  3rd Qu.:1.000                      3rd Qu.: 1.000         
##  Max.   :1.000                      Max.   :20.000         
##  NA's   :7544                       NA's   :7544           
##  DebtToIncomeRatio         IncomeRange    IncomeVerifiable
##  Min.   : 0.000    $25,000-49,999:32192   False:  8669    
##  1st Qu.: 0.140    $50,000-74,999:31050   True :105268    
##  Median : 0.220    $100,000+     :17337                   
##  Mean   : 0.276    $75,000-99,999:16916                   
##  3rd Qu.: 0.320    Not displayed : 7741                   
##  Max.   :10.010    $1-24,999     : 7274                   
##  NA's   :8554      (Other)       : 1427                   
##  StatedMonthlyIncome                    LoanKey       TotalProsperLoans
##  Min.   :      0     CB1B37030986463208432A1:     6   Min.   :0.00     
##  1st Qu.:   3200     2DEE3698211017519D7333F:     4   1st Qu.:1.00     
##  Median :   4667     9F4B37043517554537C364C:     4   Median :1.00     
##  Mean   :   5608     D895370150591392337ED6D:     4   Mean   :1.42     
##  3rd Qu.:   6825     E6FB37073953690388BC56D:     4   3rd Qu.:2.00     
##  Max.   :1750003     0D8F37036734373301ED419:     3   Max.   :8.00     
##                      (Other)                :113912   NA's   :91852    
##  TotalProsperPaymentsBilled OnTimeProsperPayments
##  Min.   :  0.00             Min.   :  0.00       
##  1st Qu.:  9.00             1st Qu.:  9.00       
##  Median : 16.00             Median : 15.00       
##  Mean   : 22.93             Mean   : 22.27       
##  3rd Qu.: 33.00             3rd Qu.: 32.00       
##  Max.   :141.00             Max.   :141.00       
##  NA's   :91852              NA's   :91852        
##  ProsperPaymentsLessThanOneMonthLate ProsperPaymentsOneMonthPlusLate
##  Min.   : 0.00                       Min.   : 0.00                  
##  1st Qu.: 0.00                       1st Qu.: 0.00                  
##  Median : 0.00                       Median : 0.00                  
##  Mean   : 0.61                       Mean   : 0.05                  
##  3rd Qu.: 0.00                       3rd Qu.: 0.00                  
##  Max.   :42.00                       Max.   :21.00                  
##  NA's   :91852                       NA's   :91852                  
##  ProsperPrincipalBorrowed ProsperPrincipalOutstanding
##  Min.   :    0            Min.   :    0              
##  1st Qu.: 3500            1st Qu.:    0              
##  Median : 6000            Median : 1627              
##  Mean   : 8472            Mean   : 2930              
##  3rd Qu.:11000            3rd Qu.: 4127              
##  Max.   :72499            Max.   :23451              
##  NA's   :91852            NA's   :91852              
##  ScorexChangeAtTimeOfListing LoanCurrentDaysDelinquent
##  Min.   :-209.00             Min.   :   0.0           
##  1st Qu.: -35.00             1st Qu.:   0.0           
##  Median :  -3.00             Median :   0.0           
##  Mean   :  -3.22             Mean   : 152.8           
##  3rd Qu.:  25.00             3rd Qu.:   0.0           
##  Max.   : 286.00             Max.   :2704.0           
##  NA's   :95009                                        
##  LoanFirstDefaultedCycleNumber LoanMonthsSinceOrigination   LoanNumber    
##  Min.   : 0.00                 Min.   :  0.0              Min.   :     1  
##  1st Qu.: 9.00                 1st Qu.:  6.0              1st Qu.: 37332  
##  Median :14.00                 Median : 21.0              Median : 68599  
##  Mean   :16.27                 Mean   : 31.9              Mean   : 69444  
##  3rd Qu.:22.00                 3rd Qu.: 65.0              3rd Qu.:101901  
##  Max.   :44.00                 Max.   :100.0              Max.   :136486  
##  NA's   :96985                                                            
##  LoanOriginalAmount          LoanOriginationDate LoanOriginationQuarter
##  Min.   : 1000      2014-01-22 00:00:00:   491   Q4 2013:14450         
##  1st Qu.: 4000      2013-11-13 00:00:00:   490   Q1 2014:12172         
##  Median : 6500      2014-02-19 00:00:00:   439   Q3 2013: 9180         
##  Mean   : 8337      2013-10-16 00:00:00:   434   Q2 2013: 7099         
##  3rd Qu.:12000      2014-01-28 00:00:00:   339   Q3 2012: 5632         
##  Max.   :35000      2013-09-24 00:00:00:   316   Q2 2012: 5061         
##                     (Other)            :111428   (Other):60343         
##                    MemberKey      MonthlyLoanPayment LP_CustomerPayments
##  63CA34120866140639431C9:     9   Min.   :   0.0     Min.   :   -2.35   
##  16083364744933457E57FB9:     8   1st Qu.: 131.6     1st Qu.: 1005.76   
##  3A2F3380477699707C81385:     8   Median : 217.7     Median : 2583.83   
##  4D9C3403302047712AD0CDD:     8   Mean   : 272.5     Mean   : 4183.08   
##  739C338135235294782AE75:     8   3rd Qu.: 371.6     3rd Qu.: 5548.40   
##  7E1733653050264822FAA3D:     8   Max.   :2251.5     Max.   :40702.39   
##  (Other)                :113888                                         
##  LP_CustomerPrincipalPayments LP_InterestandFees LP_ServiceFees   
##  Min.   :    0.0              Min.   :   -2.35   Min.   :-664.87  
##  1st Qu.:  500.9              1st Qu.:  274.87   1st Qu.: -73.18  
##  Median : 1587.5              Median :  700.84   Median : -34.44  
##  Mean   : 3105.5              Mean   : 1077.54   Mean   : -54.73  
##  3rd Qu.: 4000.0              3rd Qu.: 1458.54   3rd Qu.: -13.92  
##  Max.   :35000.0              Max.   :15617.03   Max.   :  32.06  
##                                                                   
##  LP_CollectionFees  LP_GrossPrincipalLoss LP_NetPrincipalLoss
##  Min.   :-9274.75   Min.   :  -94.2       Min.   : -954.5    
##  1st Qu.:    0.00   1st Qu.:    0.0       1st Qu.:    0.0    
##  Median :    0.00   Median :    0.0       Median :    0.0    
##  Mean   :  -14.24   Mean   :  700.4       Mean   :  681.4    
##  3rd Qu.:    0.00   3rd Qu.:    0.0       3rd Qu.:    0.0    
##  Max.   :    0.00   Max.   :25000.0       Max.   :25000.0    
##                                                              
##  LP_NonPrincipalRecoverypayments PercentFunded    Recommendations   
##  Min.   :    0.00                Min.   :0.7000   Min.   : 0.00000  
##  1st Qu.:    0.00                1st Qu.:1.0000   1st Qu.: 0.00000  
##  Median :    0.00                Median :1.0000   Median : 0.00000  
##  Mean   :   25.14                Mean   :0.9986   Mean   : 0.04803  
##  3rd Qu.:    0.00                3rd Qu.:1.0000   3rd Qu.: 0.00000  
##  Max.   :21117.90                Max.   :1.0125   Max.   :39.00000  
##                                                                     
##  InvestmentFromFriendsCount InvestmentFromFriendsAmount   Investors      
##  Min.   : 0.00000           Min.   :    0.00            Min.   :   1.00  
##  1st Qu.: 0.00000           1st Qu.:    0.00            1st Qu.:   2.00  
##  Median : 0.00000           Median :    0.00            Median :  44.00  
##  Mean   : 0.02346           Mean   :   16.55            Mean   :  80.48  
##  3rd Qu.: 0.00000           3rd Qu.:    0.00            3rd Qu.: 115.00  
##  Max.   :33.00000           Max.   :25000.00            Max.   :1189.00  
##

1. Loan Status

Let’s take a look at what are the different loan status and which status are most borrower at?

## 
##              Cancelled             Chargedoff              Completed 
##                      5                  11992                  38074 
##                Current              Defaulted FinalPaymentInProgress 
##                  56576                   5018                    205 
##   Past Due (>120 days)   Past Due (1-15 days)  Past Due (16-30 days) 
##                     16                    806                    265 
##  Past Due (31-60 days)  Past Due (61-90 days) Past Due (91-120 days) 
##                    363                    313                    304

There are 12 different loan status:

  1. Cancelled
  2. Chargedoff
  3. Completed
  4. Current
  5. Defaulted
  6. FinalPaymentInProgress
  7. Past Due (>120 days)
  8. Past Due (1-15 days)
  9. Past Due (16-30 days)
  10. Past Due (31-60 days)
  11. Past Due (61-90 days)
  12. Past Due (91-120 days)

  • There are 6 different kinds of PastDue classified by different number of due days. Since I’m only concern about whether a loan is under high risk or not, I have combined all loans under 121 days of PastDue into one variable: PastDue.

  • Based on the Prosper website, a borrower loan is charged-off when it reaches 121 days past due unless the borrower is otherwise notified by Prosper. There are 16 obseravtion with Past Due(> 120 days) so I will combined them into Chargedoff variable.

  • There are 205 observations under FinalPaymentInProgress and since it is almost equivalent to Completed, I will combined it with Completed.

## 
##  Completed    Current    PastDue Chargedoff  Defaulted  Cancelled 
##      38279      56576       2051      12008       5018          5

The bar chart of the loan status:

Observations:

  • 34% of the loans are completed.
  • The proportion of current loan is about 50%, which means that we are not sure if half of the loan data are defaulted or completed.
  • 15% of the loans are chargedoff and defaulted which means there is risk that the investor may loss money.

2. Occupation

What are the borrower’s occupation?

## 
##                                                        Accountant/CPA 
##                               3588                               3233 
##           Administrative Assistant                            Analyst 
##                               3688                               3602 
##                          Architect                           Attorney 
##                                213                               1046 
##                          Biologist                         Bus Driver 
##                                125                                316 
##                         Car Dealer                            Chemist 
##                                180                                145 
##                      Civil Service                             Clergy 
##                               1457                                196 
##                           Clerical                Computer Programmer 
##                               3164                               4478 
##                       Construction                            Dentist 
##                               1790                                 68 
##                             Doctor                Engineer - Chemical 
##                                494                                225 
##              Engineer - Electrical              Engineer - Mechanical 
##                               1125                               1406 
##                          Executive                            Fireman 
##                               4311                                422 
##                   Flight Attendant                       Food Service 
##                                123                               1123 
##            Food Service Management                          Homemaker 
##                               1239                                120 
##                           Investor                              Judge 
##                                214                                 22 
##                            Laborer                        Landscaping 
##                               1595                                236 
##                 Medical Technician                  Military Enlisted 
##                               1117                               1272 
##                   Military Officer                       Nurse's Aide 
##                                346                                491 
##                        Nurse (LPN)                         Nurse (RN) 
##                                492                               2489 
##                              Other                         Pharmacist 
##                              28617                                257 
##         Pilot - Private/Commercial  Police Officer/Correction Officer 
##                                199                               1578 
##                     Postal Service                          Principal 
##                                627                                312 
##                       Professional                          Professor 
##                              13628                                557 
##                       Psychologist                            Realtor 
##                                145                                543 
##                          Religious                  Retail Management 
##                                124                               2602 
##                 Sales - Commission                     Sales - Retail 
##                               3446                               2797 
##                          Scientist                      Skilled Labor 
##                                372                               2746 
##                      Social Worker         Student - College Freshman 
##                                741                                 41 
## Student - College Graduate Student           Student - College Junior 
##                                245                                112 
##           Student - College Senior        Student - College Sophomore 
##                                188                                 69 
##        Student - Community College         Student - Technical School 
##                                 28                                 16 
##                            Teacher                     Teacher's Aide 
##                               3759                                276 
##              Tradesman - Carpenter            Tradesman - Electrician 
##                                120                                477 
##               Tradesman - Mechanic                Tradesman - Plumber 
##                                951                                102 
##                       Truck Driver                    Waiter/Waitress 
##                               1675                                436

The bar chart of the borrower’s occupation: 

## 
##                                                        Accountant/CPA 
##                               0.02                               0.01 
##           Administrative Assistant                            Analyst 
##                               0.02                               0.02 
##                          Architect                           Attorney 
##                               0.00                               0.00 
##                          Biologist                         Bus Driver 
##                               0.00                               0.00 
##                         Car Dealer                            Chemist 
##                               0.00                               0.00 
##                      Civil Service                             Clergy 
##                               0.01                               0.00 
##                           Clerical                Computer Programmer 
##                               0.01                               0.02 
##                       Construction                            Dentist 
##                               0.01                               0.00 
##                             Doctor                Engineer - Chemical 
##                               0.00                               0.00 
##              Engineer - Electrical              Engineer - Mechanical 
##                               0.00                               0.01 
##                          Executive                            Fireman 
##                               0.02                               0.00 
##                   Flight Attendant                       Food Service 
##                               0.00                               0.00 
##            Food Service Management                          Homemaker 
##                               0.01                               0.00 
##                           Investor                              Judge 
##                               0.00                               0.00 
##                            Laborer                        Landscaping 
##                               0.01                               0.00 
##                 Medical Technician                  Military Enlisted 
##                               0.00                               0.01 
##                   Military Officer                       Nurse's Aide 
##                               0.00                               0.00 
##                        Nurse (LPN)                         Nurse (RN) 
##                               0.00                               0.01 
##                              Other                         Pharmacist 
##                               0.13                               0.00 
##         Pilot - Private/Commercial  Police Officer/Correction Officer 
##                               0.00                               0.01 
##                     Postal Service                          Principal 
##                               0.00                               0.00 
##                       Professional                          Professor 
##                               0.06                               0.00 
##                       Psychologist                            Realtor 
##                               0.00                               0.00 
##                          Religious                  Retail Management 
##                               0.00                               0.01 
##                 Sales - Commission                     Sales - Retail 
##                               0.02                               0.01 
##                          Scientist                      Skilled Labor 
##                               0.00                               0.01 
##                      Social Worker         Student - College Freshman 
##                               0.00                               0.00 
## Student - College Graduate Student           Student - College Junior 
##                               0.00                               0.00 
##           Student - College Senior        Student - College Sophomore 
##                               0.00                               0.00 
##        Student - Community College         Student - Technical School 
##                               0.00                               0.00 
##                            Teacher                     Teacher's Aide 
##                               0.02                               0.00 
##              Tradesman - Carpenter            Tradesman - Electrician 
##                               0.00                               0.00 
##               Tradesman - Mechanic                Tradesman - Plumber 
##                               0.00                               0.00 
##                       Truck Driver                    Waiter/Waitress 
##                               0.01                               0.00 
##                                Sum 
##                               0.50

Observations:

  • There are a total of 68 different occupations.
  • Most of the borrower’s occupation is Others(13%) and Professional (6%). Seems like most borrower did not list down their occupation.

3. Employment Status

What are the different employment status?

## 
##                    Employed     Full-time Not available  Not employed 
##          2255         67322         26355          5347           835 
##         Other     Part-time       Retired Self-employed 
##          3806          1088           795          6134

There are 9 different employment status:

  1. Empty
  2. Employed
  3. Full-time
  4. Not available
  5. Not employed
  6. Other
  7. Part-time
  8. Retired
  9. Self-employed
  • There are 2,255 empty status and 5,347 Not available status. I will hide them for the plot since they are not required.
  • Other and Not available seems similar so that will be combined as Other.

The bar chart of the employment status:

Observations:

  • Quite a number of employment status are left empty (2,255).
  • Most of the borrowers are with stable income. 63% of the borrowers are employed and 25% of the borrowers are employed full-time.
  • 8.2% of the borrowers are with Other employment status.

4. Is Borrower Homeowner

Are the borrower mostly homeowner or not?

## 
## False  True 
## 56459 57478

The bar chart of whether borrow is homeowener:

Observations:

  • There is slightly more borrower who are homeowner (50.5%) than those who are not a homeowner (49.6%).

5. Income Range

What are the income range of the borrowers?

## 
##             $0      $1-24,999      $100,000+ $25,000-49,999 $50,000-74,999 
##            621           7274          17337          32192          31050 
## $75,000-99,999  Not displayed   Not employed 
##          16916           7741            806
  • Not displayed values will be hidden since it is not useful for our analysis.

The bar chart on Income Range:

Observations:

  • Seems like the number of borrowers who are Not employed(835) under Income Range is different from the number of borrowers who are Not employed under Employment Status(806).

6. Borrower State

Where are most borrower from?

## 
##          AK    AL    AR    AZ    CA    CO    CT    DC    DE    FL    GA 
##  5515   200  1679   855  1901 14717  2210  1627   382   300  6720  5008 
##    HI    IA    ID    IL    IN    KS    KY    LA    MA    MD    ME    MI 
##   409   186   599  5921  2078  1062   983   954  2242  2821   101  3593 
##    MN    MO    MS    MT    NC    ND    NE    NH    NJ    NM    NV    NY 
##  2318  2615   787   330  3084    52   674   551  3097   472  1090  6729 
##    OH    OK    OR    PA    RI    SC    SD    TN    TX    UT    VA    VT 
##  4197   971  1817  2972   435  1122   189  1737  6842   877  3278   207 
##    WA    WI    WV    WY 
##  3048  1842   391   150

Observations:

  • Most of the borrowers are from California (13.6%) followed by Texas (6.3%) and New York (6.21%).

7. Loan Term

Let’s take a look at the loan term to see how long borrowers usually opt for loan?

## 
##    12    36    60 
##  1614 87778 24545

The bar chart on loan term:

Observations:

  • There are 3 types of loan term - 12 months, 36 months and 60 months.
  • 77% of the borrowers opt for 3 years loan term.
  • Only 1% of the borrowers opt for 1 year loan term. Seems like most borrower are not interested in short loan term.

8. Prosper Rating (Alpha)

Let’s take a look at the prosper rating (Alpha)

## 
##           A    AA     B     C     D     E    HR 
## 29084 14551  5372 15581 18345 14274  9795  6935

Observations:

  • There is huge percentage of prosper rating as NA (25.53%).
  • The highest prosper rating is C with 16.1% followed by B(13.68%) and A(12.77%).

9. Listing Creation Date

Which month or year had the most loan?

Observations:

  • March (8,032) & April (7,661) have relatively lesser loan.
  • January (11,214) had the highest number of loan.

Observations:

  • Increase in the loans as year pass by except in Oct-2018 to 2019.

Observations:

  • Sudden decrease of number of loan in 2009 (2,206).
  • After a Google search was done, the decrease of number of loan in 2009 was due to the Prosper Quiet Period from October 15, 2008 until July 13, 2009. They closed down the borrower side of the business as well as the investor side. No new loans were issued during the Prosper quiet period. (Reference: https://www.lendacademy.com/a-look-back-at-the-lending-club-and-prosper-quiet-periods/)

Univariate Analysis

What is the structure of your dataset?

Our dataset consists of 81 variables, with 11,3937 observations.

What is/are the main feature(s) of interest in your dataset?

Borrower: Prosper Score and Proser Rating seems to be the main indicators of a quality of borrowers.

Lender: Lender Yield seems to the most important factor for investor.

What other features in the dataset do you think will help support your

investigation into your feature(s) of interest?

Properties about borrower such as Employment Status, Income Range, Loan Term.

Did you create any new variables from existing variables in the dataset?

Yes I created some new variables and factorized a few others:

  • LoanStatus: clean up the 12 different loan status into 6.
  • EmploymentStatus: clean up the 9 different employment status into 9.
  • Splited ListingCreationDate into Year and month for analysis

Of the features you investigated, were there any unusual distributions?

Did you perform any operations on the data to tidy, adjust, or change the form
of the data? If so, why did you do this?

There are a number of empty fields and NA fields which create spikes in the plots:

  • EmploymentStatus contains 2,255 empty blanks and 5,347 NA.
  • IncomeRange contains a number of Not displayed values.
  • 26% of ProsperRating is NA.

Had remove the blank and NA which are not required information for the plots creation.

Bivariate Plots Section

1. Lender Yield vs Prosper Rating

Is there a relation between lender yield and prosper rating?

Observation:

  • There’s a clear relation between the two, the higher the lender yield, the lower is the Prosper Rating.

2. Borrower Rate vs Prosper Rating

Is there a relation between borrower rate and prosper rating?

Observation:

  • The borrower rate is quite similar to the Lender Yield. The relationship observed here is also similar to the lender yield.

3. Loan Orignal Amount vs Prosper Rating

Is there a relation between loan original amount and prosper rating?

Observation:

  • The Median Loan Amount appears to decrease as the prosper rating gets poorer.

4. Borrower Monthly Income vs Prosper Rating

Is there a relation between monthly income and prosper rating?

Observation:

  • The Monthly Income of the borrower shows a slight decrease as the rating gets poorer.

5. Monthly Income of Borrower vs Original Amount of the Loan

Is there a relation between monthly income and loan amount?

Observation:

  • As the Loan Amount increases, the median monthly income also increases. Another interesting trend is that the Loan amount values appear to be discrete as the Loan amounts are usually round figures rather than random values.

6. Borrower Rate vs Status of Loan

Is there a relation between borrower rate and loan status?

Observation:

  • The median of Borrower Rate for defaulted and chargedoff loans appear to be a bit higher than the others.

7. Occupation of Borrower vs Original Amount of Loan

Is there a relation between occupation and loan amount?

Observation:

  • This shows the variations in the amount taken as loan by people from different occupation.
  • Occupation such as Judge have quite a range difference in loan amount.

8. Occupation of Borrower vs his Monthly Income

Is there a relation between occupation and monthly income?

Observation:

  • The variation in monthly income for different occupations.
  • Occupation such as Doctor have quite a high range in Income.

Bivariate Analysis

Talk about some of the relationships you observed in this part of the

investigation. How did the feature(s) of interest vary with other features in
the dataset?

There is clear relation between Prosper Rating, Lender Yield, Borrower Rate and Loan Amount.

Did you observe any interesting relationships between the other features

(not the main feature(s) of interest)?

Borrower Rate and Lender Yield have a linear relationship.

What was the strongest relationship you found?

Borrower rate and Lender Yield.

Multivariate Plots Section

1. Lender Yield vs Loan Amount vs Prosper Rating

Observation:

  • As the Lender Yield increases, the Prosper Rating gets poorer.

2. Monthly Income vs Loan Amount vs Prosper Rating

Observation:

  • As the Loan Amount increases, the Prosper Rating gets better.

3. Lender Yield vs Monthly Income vs Prosper Rating

Observation:

  • Borrower’s monthly income does not seems to have any relation with the Prosper Rating.

4. Lender Yield vs Borrower Rate vs Prosper Rating

Observation:

  • Borrower Rate and Lender Yield variables have a strongly positive linear relationship between them. Both rise above their means or fall below their means at the same time.
  • As Borrower Rate and Lender Yield increases, the prosper rating gets poorer.

Multivariate Analysis

Talk about some of the relationships you observed in this part of the

investigation. Were there features that strengthened each other in terms of
looking at your feature(s) of interest?

Based on the above analysis, I can see that there are relation between Lender yield, Borrower rate and Loan amount in predicting the Prosper Rating.

Were there any interesting or surprising interactions between features?

Borrower Rte and Lender Yield have a strongly positive linear relationship.

Final Plots and Summary

Plot One: Sudden drop of loan in 2009

This plot is useful as it shows there was a sudden drop in loan during Oct-2008 to Jun-2009. It was after a Google search and I realized the decrease of number of loan in 2009 was due to the Prosper Quiet Period from October 15, 2008 until July 13, 2009. They closed down the borrower side of the business as well as the investor side. No new loans were issued during the Prosper quiet period. (Reference: https://www.lendacademy.com/a-look-back-at-the-lending-club-and-prosper-quiet-periods/)

Plot Two: Relationship between Borrower Occupation and Monthly Income

This plot is interesting as the above diagram tells alot of information. It shows the variation in borrower’s monthly income for the different occupation. Occupation such as Doctor have quite a high range in monthly income. Most people had selected others and professionals as their occupation. Obviously the students have the lower range in monthly income.

Plot Three: Relationship between Lender Yield, Loan Amount and Prosper Rating

The above plot is useful by showing the relationship between Lender Yield, Loan Amount and Prosper Rating. As the Lender Yield gets higher.

Reflection

The Loan Data from Prosper was a challenging data set but a good and useful way for me to learn and experience doing exploratory data analysis with R. It was diffult due to large number of data and variables available. It took me some time to figure out which are the the useful variables and which are the ones that I want to focus on.

This project made me to appreciate all the wonderful visualizations and ways to reveal underlining information hidden in a dataset. Th experience gained with this dataset definitely improved my EDA skills. I tried to keep all my visualization as simple as possible to make them easy to read.

The analysis could be enriched in future work with more analysis done on the other variables or look at the variables through the investors side or borrowers side. I also want to learn and explore mode different useful plots and graphs.